BankGloucester
Total assets
$386.9M
▼ -0.9% YoY
Deposits
$304.2M
▼ -2.8% YoY
Loans
$331.4M
▼ -1.1% YoY
Offices
3
ROA (annualized)
0.42%
peers 1.24%
ROE (annualized)
5.11%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | BankGloucester | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.4% | -5.3 pts |
| Deposit growth (YoY) | -2.8% | +4.0% | -6.7 pts |
| Loan growth (YoY) | -1.1% | +5.6% | -6.7 pts |
| ROA | 0.42% | 1.24% | -0.8 pts |
| ROE | 5.1% | 11.9% | -6.8 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
Profile
- Established
- 1887
- Charter
- State
- Primary regulator
- FDIC
- Specialization
- Commercial Lending Specialization
- Address
- 160 Main St, Gloucester, MA, 01930
- County
- Essex
- Metro area
- Boston-Cambridge-Newton, MA-NH
- Offices
- 3
- FDIC cert #
- 26536
- RSSD ID
- 331375
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $386.9M | $304.2M | $331.4M | $32.6M | $820K | 0.42% | 3.76% | 2.58% |
| Q1 2026 | $384.4M | $295.0M | $333.2M | $32.1M | $405K | 0.42% | 3.65% | 2.41% |
| Q4 2025 | $390.3M | $314.4M | $337.0M | $31.7M | $1.4M | 0.37% | 3.52% | 2.17% |
| Q3 2025 | $398.4M | $316.3M | $334.5M | $31.1M | $950K | 0.33% | 3.44% | 2.14% |
| Q2 2025 | $390.4M | $312.8M | $335.0M | $30.5M | $507K | 0.26% | 3.32% | 1.91% |
| Q1 2025 | $378.4M | $306.2M | $330.5M | $30.0M | $215K | 0.23% | 3.17% | 1.71% |
| Q4 2024 | $382.8M | $309.8M | $325.4M | $29.5M | $430K | 0.11% | 2.98% | 1.51% |
| Q3 2024 | $373.4M | $312.5M | $325.2M | $29.6M | $231K | 0.08% | 2.93% | 1.84% |
Loan mix (Q2 2026): real estate $325.7M · commercial $8.7M · consumer $491K · securities $35.9M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | BankGloucester | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.42% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 5.1% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.76% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.2% | 62.9% | — | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | BankGloucester | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | BankGloucester | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | BankGloucester | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | BankGloucester | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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